The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$66,422
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,488
−HK$2,099/mo
Today · 4.125%
HK$70,587
baseline
▲ 0.50% · 4.625%
HK$74,882
+HK$4,295/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,174/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,893
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,875
−HK$2,011/mo
Today · 4.125%
HK$77,886
baseline
▲ 0.50% · 4.625%
HK$81,991
+HK$4,105/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,772/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,706
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,185
−HK$2,519/mo
Today · 4.125%
HK$84,704
baseline
▲ 0.50% · 4.625%
HK$89,858
+HK$5,154/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,408/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,672
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,050
−HK$2,413/mo
Today · 4.125%
HK$93,463
baseline
▲ 0.50% · 4.625%
HK$98,389
+HK$4,926/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,926/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,990
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,883
−HK$2,939/mo
Today · 4.125%
HK$98,822
baseline
▲ 0.50% · 4.625%
HK$104,835
+HK$6,013/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,644/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,237,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,451
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,225
−HK$2,815/mo
Today · 4.125%
HK$109,040
baseline
▲ 0.50% · 4.625%
HK$114,788
+HK$5,748/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,080/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,237,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,559
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$123,278
−HK$3,779/mo
Today · 4.125%
HK$127,057
baseline
▲ 0.50% · 4.625%
HK$134,788
+HK$7,731/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,114/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,008
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,576
−HK$3,618/mo
Today · 4.125%
HK$140,194
baseline
▲ 0.50% · 4.625%
HK$147,584
+HK$7,390/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,388/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,985 · Scale 2, in force from 26 Feb 2026)